Allowance for Loan Losses

6 Months Ended

Jun. 30, 2013

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Allowance for Loan Losses

6. Allowance for Loan Losses:

Transactions in the allowance for loan losses for the quarters and six months ended June 30, 2013 and 2012, and the balances of loans, individually and collectively evaluated for impairment as of June 30, 2013 and 2012, are as follows (in thousands):

	Gaming			Residential and Land Development		Real Estate, Construction			Real Estate, Mortgage			Commercial and Industrial			Other			Total
For the Six Months Ended June 30, 2013:
Allowance for Loan Losses:
Beginning Balance	$	1,541		$	200	$	967		$	5,273		$	593		$	283		$	8,857
Charge-offs		(474	)				(47	)		(281	)					(130	)		(932	)
Recoveries					67					2			22			57			148
Provision		(81	)		3,076		410			594			12			66			4,077
Ending Balance	$	986		$	3,343	$	1,330		$	5,588		$	627		$	276		$	12,150
For the Quarter Ended June 30, 2013:
Allowance for Loan Losses:
Beginning Balance	$	1,146		$	238	$	935		$	5,551		$	667		$	298		$	8,835
Charge-offs							(47	)		(223	)					(65	)		(335	)
Recoveries					67					1			11			33			112
Provision		(160	)		3,038		442			259			(51	)		10			3,538
Ending Balance	$	986		$	3,343	$	1,330		$	5,588		$	627		$	276		$	12,150
Allowance for loan losses, June 30, 2013:
Ending balance: individually evaluated for impairment	$	626		$	3,143	$	1,302		$	2,220		$	331		$	33		$	7,655
Ending balance: collectively evaluated for impairment	$	360		$	200	$	28		$	3,368		$	296		$	243		$	4,495
Total Loans, June 30, 2013:
Ending balance: individually evaluated for impairment	$	21,579		$	20,974	$	7,794		$	29,759		$	2,320		$	73		$	82,499
Ending balance: collectively evaluated for impairment	$	28,758		$	6,109	$	42,153		$	203,399		$	32,019		$	8,161		$	320,599

	Gaming			Residential and Land Development			Real Estate, Construction			Real Estate, Mortgage			Commercial and Industrial			Other			Total
For the Six Months Ended June 30, 2012:
Allowance for Loan Losses:
Beginning Balance	$	457		$	1,081		$	937		$	4,800		$	557		$	304		$	8,136
Charge-offs		(275	)		(1,103	)		(474	)		(1,102	)		(160	)		(179	)		(3,293	)
Recoveries														14			56			70
Provision		292			225			(14	)		1,178			46			103			1,830
Ending Balance	$	474		$	203		$	449		$	4,876		$	457		$	284		$	6,743
For the Quarter Ended June 30, 2012:
Allowance for Loan Losses:
Beginning Balance	$	632		$	1,041		$	496		$	5,016		$	547		$	316		$	8,048
Charge-offs		(275	)		(1,103	)					(1,003	)		(101	)		(126	)		(2,608	)
Recoveries														4			9			13
Provision		117			265			(47	)		863			7			85			1,290
Ending Balance	$	474		$	203		$	449		$	4,876		$	457		$	284		$	6,743
Allowance for loan losses, June 30, 2012:
Ending balance: individually evaluated for impairment	$			$			$	401		$	1,605		$	236		$	35		$	2,277
Ending balance: collectively evaluated for impairment	$	474		$	203		$	48		$	3,271		$	221		$	249		$	4,466
Total Loans, June 30, 2012:
Ending balance: individually evaluated for impairment	$	25,010		$	21,339		$	9,572		$	36,462		$	2,772		$	129		$	95,284
Ending balance: collectively evaluated for impairment	$	34,287		$	6,292		$	44,258		$	209,500		$	28,075		$	9,895		$	332,307